Challenges for this week (May 30-June5, 2011)

I’ve decided that it’ll be more “fun” to call my goals challenges. I can be a fairly competitive person (with myself) so I think this will help more. Also, you should know that my weeks go Monday to Sunday.

Goals Challenges for this week (May 30-June5, 2011):

  • Bring lunch all but one day
  • Do Laundry!
  • Work out schedule for this blog.  I have a new idea for “Helpful Hints”
  • Get posts that are almost ready for this blog posted! (Including a #missionsushitour post.)
  • Take and/or Edit 20 photos for this blog.
  • List clutch and other scarf on Etsy.
  • Sort through baking/cooking supplies and weed out more of what I don’t want/need.
  • Finish book I’m reading, review and choose another to read before bed.

So that’s it for me. What are you working on or towards this week?

#weeklygoals

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And then I bought a new(er) car.

Me driving my new car :)I’ve been looking for a new car on and off for a bit now and about two weeks ago, I realized that I was more likely to get a loan approval with good terms if I did it before I moved than after. (I’ve lived in my current place for 3 years which looks good on paper for the credit scoring game.) This meant that I had a grand total of about 6 weeks to find a car I wanted, negotiate and secure financing…

(And pack and work and have some sort of life…no pressure.)

Here’s the thing: I hate car shopping. There’s too much “guessing” involved. I want to know how much I can spend and go from there. I want to know what they’ll give me upfront for my car and how much money I have to work with before I find a car I love. Too bad that’s not always how it works.

(See, I know that I’ll be sad if I had to “settle” on a car I liked when there was one I loved out there.)

So Wednesday, I called my credit union to talk about a car loan and see how much I could borrow with what I could afford to pay every month. This was a pretty painless process and I even got preapproval contingent on providing documentation that one of the items on my credit report was incorrect. (A topic for a different post.)

Now I had a number to work with and this considerably cut my anxiety level. I also had general parameters for what I wanted in my new(er) car. I wanted low mileage, good gas mileage and reviews, decently low maintenance costs, power windows and locks, and an AUX jack for my iPod.

I started poking around local car dealership web sites and found a few that I wanted to test drive.  An ’09 Ford Focus, an ’08 Nissan Sentra and an ’08 Toyota Corolla. Basically I was looking at the same car from different companies. It would come down to which dealership could work with me best.

First, (and it turned out only) I drove a ’08 Nissan Sentra – I’ve already owned 2 and loved both of them. When we got back to the dealership we talked numbers…And oddly, we found a number that we could agree on! (The whole time I was willing to walk away and I think that was helpful.)

To make a long story shorter, I finished the paperwork, picked up my car and was on my way on Saturday.

It still doesn’t feel real that I got approved for a loan, found and negotiated a price for a car all by my self. I was sure that with my credit score, they’d never say yes to a loan by my self, that the dealership would never offer me enough for a trade in to even try and that something would horribly go wrong.

But there I am, driving my new(er) car out of the lot.

I DID IT!!! I’m so flippin’ proud of myself, it’s not even funny…

What are you most proud of yourself for currently?

Challenges for this week (May 23-29) Recap

GoalsChallenges for this week (May 23-29, 2011):

  • Bring lunch all but one day (Ladies Lunch!) – Nope. I went out for lunch on Thursday because I had to get paperwork to the bank. And it was delicious!
  • Take printer to get fixed (under warranty) – Yes! Hopefully I’ll have it back this week.
  • Make dinner at least 2 nights. (And not just sandwiches or cereal.) No. Sadly, but in my own defense, I was sick and it was hot so I sort of skipped dinner a lot of nights.
  • Dinner out only two nights. (After dance class with Gia and maybe sushi or pizza one night.) See above. I really only ate a salad for dinner last night and dinner at a party Sunday.
  • List clutch on Etsy. – I’m working on the copy for it…sometimes it just doesn’t come together.
  • Sort and box up movies, spices, dresser and maybe my closet for the move. Closet doesn’t get boxed, but it can be sorted and purged. Extra spices packed, dresser and I started sorting and purging the closet and dresser. Also I started to box up other kitchen supplies, but am not even close to being done with that! (I still need some of it…)
  • Finish book I’m reading and choose another to read before bed. This one was a little slow getting started, but it’s definitely picked up! Hopefully, I’ll have it done tonight.

So that’s it for me. How did you do this week? If you blogged it, please feel free to leave the link in the comment section!

#weeklygoals

If I Won a Million Dollars

From Little Miss Moneybags

No, I’m not writing about the song by the Barenaked Ladies (although it’s one of my favorites) I’m talking about what I would do if I actually won a million dollars: (after hiring an accountant/investment manager)

(If it was given in one lump sum.)

  1. Pay taxes (estimated at 40%): $400,000 (NYS is greedy, better figure high and go from there!)
  2. Invest $100,000 in a combination of IRAs, Mutual Funds, and Other.
  3. Give money to family, friends, others who need it more than I do. $100,000 invested and paid with proceeds $50,000 paid first  year.
  4. Start an Creative Kids foundation and give money to programs that promote and teach crafting/creativity to kids. $100,000
  5. Put a decent down payment on a  house. $50,000 and put $50,000 into a “House Trust” for taxes, upgrades etc. This would be the location for my own business to be run and part would be taxable to the business
  6. Take a series of kick ass trips to places I want to visit – Prague, Ireland, Israel, oh whatever strikes my fancy. $50,000
  7.  Purchase a newer car (I don’t believe in buying new cars, but a nice, newer to me car would be great…)$20,000
  8. $45,000 for a first year salary for my business
  9. $35,000 Play money for me to just play with.

If it was paid out over 20 years, I’d still have to work for a few years and then I’d bank a lot of that money and start my own thing after awhile.

What would you do with $1,000,000?

Challenges for this week (May 16-22, 2011)

I’ve decided that it’ll be more “fun” to call my goals challenges. I can be a fairly competitive person (with myself) so I think this will help more. Also, you should know that my weeks go Monday to Sunday.

Goals Challenges for this week (May 16-22, 2011):

  • Bring lunch all work week other than travel day. Eat out no more than 2x over the weekend.
  • Take printer to get fixed (under warranty)
  • No groceries outside of fresh/frozen fruit, yogurt, milk, and a cake mix for a little friend’s birthday. And a skein of yarn for a specific Etsy project. This one to be exact
  • Dinner out only one night. (After dance class with Gia!)
  • Sort books in to Keep, Maybe Keep, and Get the Hell Out of My House Donate. Donate the ones I don’t want.
  • Finish book I’m reading and choose another to read before bed.

So that’s it for me. What are you working on or towards this week?

#weeklygoals

Challenges for this week (May 9-15, 2011)

It’s time to get back in the saddle with setting goals challenges for each week and following through with them! I’ve been sorely neglectful with this and need some more structure in my financial life and other parts too (not all are strictly financial)…

I’ve decided that it’ll be more “fun” to call my goals challenges. I can be a fairly competitive person (with myself) so I think this will help more. Also, you should know that my weeks go Monday to Sunday.

Goals Challenges for this week (May 9-15):

  • Bring lunch all week
  • Take printer to get fixed (under warranty)
  • No spend week outside of gasoline until I get to Chicago and keep it to a minimum there.
  • Keep food numbers under control
  • Go through pots and pans to give away
  • Clean out fridge
  • Finish book I’m reading and choose another to read before bed.

So that’s it for me. What are you working on or towards this week?

#weeklygoals

To Pay or Not to Pay…

…rent on two places, that is the question.

We got the apartment that we wanted which is awesome, but it’s not available until July or August which is not most excellent.

My current land lord is willing to let us extend the lease until August so long as I’m willing to show the apartment (which I am) but my current debate is if I want to spend the money and pay for both places to make moving easier.

(I’ve considered asking about prorating my rent for a week or two, but am fairly certain neither landlord won’t go for it.)

My sanity is worth quite a bit to me, so I’m inclined to do it. It would mean that I could take the time to clean the new place, move everything and then clean the old place. It’ll also allow for a “weekend move” when more people (hopefully) are available to help if I provide them with food and beer.

But then again, it’s a good chunk of money that although I have, I don’t know that I really want to spend it on this. I’d much rather spend it on a new couch or bedding and what not.

First things first, we will have to figure out when the other people are leaving because if they can’t leave until July, then it won’t matter. After that we can figure out what we want to do about paying rent on two places.

What would you do if given the option? Would you pay for both places for sanity’s sake?